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2025 4th Quarter Newsletter

Page 1


ONE NEWS

Fall into Savings: Why Autumn is Prime Time for Buying Vehicles

As the leaves turn golden, so do the opportunities for savvy car buyers. This fall, Alabama ONE members have a unique chance to drive away with their dream vehicle while keeping more green in their wallets.

Why

Fall Is the Smartest Time to Buy a Vehicle — And Finance with Alabama ONE

As temperatures drop, so do vehicle prices—and that makes fall one of the best times of year to buy a car, truck, or SUV. Dealerships are clearing out current-year models to make room for next year’s inventory, which means deep discounts, incentives, and negotiable pricing for smart buyers.

But finding the right vehicle is only half the equation—financing it with the right lender makes all the difference. That’s where Alabama ONE Credit Union comes in.

The Trusted Choice:

When you finance with Alabama ONE, you'll enjoy:

• Competitive interest rates

• Flexible terms to fit your budget

• Pre-approval options so you can shop with confidence

• No hidden fees and no pressure sales tactics

Our Auto Loans Can Save You Money: Unlike big banks or dealership financing, Alabama ONE puts our members first. Our auto loans are designed to help you save more over the life of your loan, with personalized service every step of the way.

Take Advantage of Seasonal Deals

Whether you’re buying new, used, or refinancing a current vehicle, now is the time to act. Get pre-approved this fall and take advantage of seasonal deals before the year ends.

Visit alabamaone.org/auto or stop by your local branch to speak with one of our loan specialists today.

Alabama ONE Credit Union — Local. Trusted.

Making Digital Banking Easy

Experience 24/7 convenience and security with our userfriendly digital banking. Easily transfer funds, pay bills, and manage your finances onthe-go. Our innovative digital banking app puts financial control at your fingertips. Elevate your banking experience with Alabama ONE - where technology meets trust.

What’s Your ONE?

Digital Banking

ClickSWITCH - ONE click to switch recurring deposits or payments to Alabama ONE!

• Link your external accounts

• Sign up for e-Statements

• Manage your card with digital banking

Learn more about Digital Banking.

Build Your Dream This Fall: Construction Loans with Alabama ONE

As autumn leaves paint the landscape, it's the perfect time to lay the foundation for your future home. At Alabama ONE, we're committed to helping you turn your construction dreams into reality with our flexible financing options.

Why build in the fall?

Fall offers unique advantages for starting construction projects. Cooler temperatures create ideal working conditions, and many contractors have more availability after the summer rush. By initiating your project now, you could be settling into your new home by next spring or summer.

Alabama ONE understands your construction needs

Alabama ONE understands that your construction needs are as unique as you are. That's why we offer a range of loan options to suit various projects:

• Land purchases

• New home construction

• Home renovations and additions

• Combined land and construction packages

One increasingly popular option among our members is the barndominium. These versatile structures combine the durability of a barn with the comfort of a modern home. Barndominiums offer open-concept living spaces, energy

of the way. Our local lending team has extensive experience with rural and agricultural projects, ensuring you receive personalized guidance tailored to your specific needs.

Our construction loans feature:

• Competitive interest rates

• Flexible terms to match your project timeline

• Local decision-making for faster approvals

Don't let another season pass without taking action on your construction plans. Whether you're building on family land or starting fresh, Alabama ONE is your trusted partner from blueprint to build.

Ready to elevate your living space? Contact our team today to explore rates and loan options that align with your vision and budget.

Visit alabamaone.org/mortgage or call us to learn how we can help you construct your dream this fall.

Alabama ONE: What's Your ONE? Let's build it together. efficiency, and the flexibility to customize your layout. Whether you're envisioning a family home, a weekend retreat, or a live-work space, a "barndo" could be the innovative solution you're looking for.

At Alabama ONE, we're here to support your construction journey every step

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2025 4th Quarter Newsletter by alabamaonecu - Issuu